Job Description

NOW Finance is a purpose-driven fintech with a simple aim: to create simple and transparent financial solutions, empowering Aussies to live their dreams – now!

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We are seeking an experienced and forward-thinking Data Science Manager (Credit Risk & Growth) to join our Data & Analytics team.

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This is a key leadership role suited to an experienced people leader or senior technical specialist with a strong track record of delivering complex initiatives, mentoring others and influencing outcomes. While credit risk will be a primary focus, the role also offers the opportunity to shape and deliver broader data science initiatives across the organisation.

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Reporting to the Head of Data & Analytics, you will lead a high-performing team of data scientists and credit risk modelling specialists, providing strategic direction, technical leadership, and fostering a collaborative, curious and commercially focused culture.

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You will shape and deliver data science solutions that improve credit decisioning, portfolio performance and customer outcomes, while ensuring models remain robust, well-governed and fit for purpose.

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Your Key Responsibilities

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Lead, mentor and develop a high-performing team of data scientists, fostering engagement, collaboration and continuous capability development.

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Execute the data science strategy, aligning priorities with business objectives and leading the delivery of high-quality solutions that drive measurable business value.

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Develop, enhance, and maintain credit application scorecards, decisioning models, and ECL (Expected Credit Loss) PD / EAD / LGD models.

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Oversee the end-to-end model lifecycle, from development and deployment through to monitoring and optimisation, while ensuring robust governance and responsible model management practices.

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Partner with stakeholders across Risk,



Operations and Technology to identify opportunities, prioritise initiatives and deliver measurable business outcomes.

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Translate complex technical concepts into clear insights, recommendations and actions for both technical and non-technical stakeholders.

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Your Attributes, Experience & Qualifications

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Minimum5years in data science, credit risk analytics or quantitative modelling, including experience in credit risk modelling, and econometric modelling methodologies such as IFRS 9.

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Demonstrated experience leading, coaching and developing high-performing technical teams.

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Experience developing, deploying and monitoring models in cloud-based environments, with AWS experience highly regarded.

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Proven ability to partner with business stakeholders, translate complex business challenges into practical analytical solutions, and influence decision-making through data-driven insights and recommendations.

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Understanding of model governance, model risk management and responsible data practices within a regulated environment.

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Ability to operate effectively in a dynamic environment, balancing strategic priorities with changing business needs.

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At NOW Finance we support and encourage our employee's personal and professional development – what we can offer you is:

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A fun and energetic team alongside a supportive leadership team

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The opportunity for internal promotion and growth within the business

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On-the-job training and in-house professional development

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A positive work setting and excellent office space, with free coffee and fruit!

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An annual Wellness Day

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Flexibility post probation

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Entry to our Employee Benefit Portal offering discounts, perks, and wellness resources

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Discounted health insurance

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A substantial referral bonus

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Employee Reward and Recognition

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Job Type: Full-time, permanent

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📌 Data Science Manager (Credit Risk & Growth) (Victoria)
🏢 NOW FINANCE
📍 Victoria